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Chemung Financial Corp

Chemung Financial Corp

CHMG · NASDAQ · Financial Services / Banks - Regional

85.11USD-0.58 (-0.68%)

Price History

Full chart

Market Stats

Previous Close85.69
Open85.90
Day Range84.84 – 85.90
52-Week Range48.77 – 85.63
Volume36.70K
Market Cap395.36M
P/E (TTM)11.78
Forward P/E9.29
EPS6.96
Dividend Yield1.75%
Beta0.59
50-Day Avg81.84
200-Day Avg67.08

About

Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market deposits. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans, as well as automobile loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. The company was founded in 1833 and is based in Elmira, New York.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Anders M. Tomson
  • Employees348
  • HeadquartersOne Chemung Canal Plaza, Elmira, NY, United States, 14901, USA
  • Websitehttps://www.chemungcanal.com

Leadership

  • Mr. Anders M. TomsonPresident, CEO & Director · b. 1967
  • Mr. Dale M. McKim IIIExecutive VP, CFO & Treasurer · b. 1975
  • Mr. Peter K. CosgroveExecutive VP & Chief Credit Officer · b. 1961
  • Mr. Jeffrey Patrick KenefickExecutive VP, President of Chemung Canal Division & Interim Head of Wealth Management Group · b. 1967
  • Mr. Daniel D. FarielloExecutive VP of the Bank & President of Capital Bank · b. 1977
  • Kristen HendersonVice President of Operations & Technology Division
  • Mr. Loren Dale ColeExecutive VP & Chief Information Officer · b. 1973
  • Ms. Kathleen S. McKillipSenior VP & Corporate Secretary
  • Tyler WilsonVice President of Compliance
  • Mr. Scott T. HeffnerSenior VP & Director of Marketing

Financials

Income Statement

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue16.81M16.59M21.53M22.89M24.42M26.68M53.58M58.01M59.33M54.54M52.05M50.47M48.97M53.94M60.50M63.38M62.44M62.25M67.57M68.48M67.49M79.16M74.00M76.65M79.85M86.76M86.22M86.86M91.84M101.91M113.07M149.61M139.94M
Growth (%)--1.34%+29.80%+6.33%+6.67%+9.29%+100.81%+8.26%+2.27%-8.06%-4.57%-3.03%-2.97%+10.14%+12.18%+4.75%-1.48%-0.31%+8.55%+1.34%-1.44%+17.29%-6.52%+3.58%+4.18%+8.66%-0.63%+0.74%+5.74%+10.96%+10.95%+32.31%-6.46%
Cost of Revenue10.69M10.90M14.79M15.78M16.95M18.47M19.40M22.80M22.79M20.38M17.54M12.45M12.52M15.20M19.19M16.22M13.78M9.34M7.69M6.06M6.79M7.63M5.17M6.28M12.09M7.23M12.27M8.23M3.44M6.74M24.45M53.46M50.12M
Gross Profit6.12M5.69M6.74M7.11M7.47M8.22M34.18M35.21M36.54M34.17M34.51M38.03M36.45M38.73M41.31M47.16M48.66M52.91M59.88M62.41M60.70M71.53M68.83M70.37M67.76M79.54M73.95M78.63M88.41M95.17M113.07M96.15M89.83M
Gross Margin36.40%34.28%31.29%31.04%30.59%30.79%63.79%60.69%61.58%62.64%66.30%75.34%74.43%71.81%68.28%74.41%77.92%84.99%88.62%91.15%89.94%90.37%93.01%91.81%84.86%91.67%85.77%90.53%96.26%93.38%100.00%64.27%64.19%
Operating Expense-2.14M-1.31M-1.73M-2.32M-3.06M-2.47M21.63M22.46M24.05M25.41M25.02M25.48M27.32M29.52M30.52M34.77M41.56M37.70M44.31M46.01M48.15M59.67M54.73M55.94M53.07M55.90M54.91M54.76M54.65M58.28M81.57M66.07M69.89M
Operating Income8.26M6.99M8.46M9.42M10.52M10.68M12.55M12.75M12.48M8.76M9.49M12.54M9.14M9.21M10.79M12.39M7.09M15.21M15.57M16.41M12.55M11.87M14.09M14.43M14.69M23.64M19.04M23.87M33.76M36.89M31.50M30.09M19.94M
Operating Margin49.12%42.15%39.31%41.17%43.10%40.04%23.42%21.98%21.04%16.06%18.23%24.85%18.65%17.08%17.83%19.55%11.36%24.43%23.04%23.96%18.60%14.99%19.04%18.83%18.40%27.24%22.09%27.48%36.76%36.20%27.86%20.11%14.25%
EBITDA9.23M7.98M9.71M10.86M12.01M12.73M15.08M14.99M14.53M11.83M13.48M15.64M12.17M12.32M14.09M16.43M10.82M18.72M19.47M20.40M16.71M17.04M19.27M19.62M19.25M27.81M23.48M28.13M37.26M39.91M31.50M32.10M22.60M
EBITDA Margin54.90%48.09%45.11%47.47%49.18%47.71%28.14%25.84%24.49%21.69%25.91%30.98%24.85%22.85%23.28%25.92%17.33%30.07%28.82%29.79%24.76%21.52%26.04%25.60%24.11%32.05%27.23%32.38%40.57%39.17%27.86%21.46%16.15%
Net Income4.49M4.65M5.60M6.16M6.86M7.30M8.39M8.76M8.49M6.54M6.95M8.73M6.59M6.59M7.26M8.35M5.23M10.10M10.54M11.02M8.73M8.16M9.43M10.03M7.43M19.63M15.61M19.26M26.43M28.78M25.00M23.67M15.10M
Net Income Margin26.73%28.02%26.02%26.90%28.09%27.35%15.66%15.09%14.32%11.99%13.36%17.30%13.46%12.22%12.00%13.18%8.38%16.23%15.60%16.10%12.94%10.30%12.75%13.08%9.30%22.62%18.10%22.18%28.77%28.24%22.11%15.82%10.79%
R&D------------------00000000-------
R&D as % of Total Revenue------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense9.79M10.28M14.23M15.04M16.10M17.67M18.73M22.05M21.69M17.09M12.84M10.95M11.22M15.08M17.94M14.77M11.33M8.22M6.73M5.23M4.03M3.65M3.60M3.84M3.07M4.07M6.32M3.99M3.42M7.30M38.62M53.51M45.68M
Interest Expense % of Total Revenue58.21%61.96%66.09%65.72%65.93%66.21%34.95%38.02%36.56%31.34%24.67%21.69%22.91%27.96%29.65%23.30%18.15%13.20%9.96%7.64%5.97%4.60%4.87%5.01%3.84%4.69%7.33%4.59%3.72%7.16%34.15%35.76%32.64%

Balance Sheet

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets398.12M494.33M501.89M532.21M548.93M623.66M653.24M676.24M725.07M751.17M747.21M722.54M718.04M738.17M788.87M838.32M975.92M958.33M1.22B1.25B1.48B1.52B1.62B1.66B1.71B1.76B1.79B2.28B2.42B2.65B2.71B2.78B2.71B
Total Liabilities359.80M448.59M448.99M478.02M487.30M557.57M587.93M601.92M645.91M671.74M667.22M640.35M636.86M656.41M700.76M755.31M885.83M860.92M1.09B1.12B1.34B1.38B1.48B1.51B1.56B1.59B1.61B2.08B2.21B2.48B2.52B2.56B2.46B
Total Equity38.33M45.74M51.32M56.12M61.64M66.09M65.31M74.31M79.16M79.43M79.99M82.20M81.18M81.76M88.11M83.01M90.09M97.41M125.93M131.12M138.58M134.03M137.24M143.75M149.81M165.03M182.63M199.70M211.46M166.39M195.24M215.31M254.71M
Cash30.12M32.38M37.29M31.75M34.42M28.82M32.07M28.16M30.38M29.06M25.67M22.80M25.56M26.59M29.38M23.65M79.74M60.62M52.90M40.24M51.61M29.16M26.18M74.16M30.73M129.97M121.90M108.54M26.98M55.87M36.85M47.03M22.77M
Total Debt---10.00M16.30M26.90M99.65M82.81M117.06M119.41M104.03M113.50M101.66M62.92M113.61M83.41M74.26M64.78M80.45M59.94M57.94M82.77M64.43M38.86M74.22M4.67M12.17M11.11M25.54M105.76M40.80M118.52M4.94M
Net Debt-30.12M-32.27M-37.38M-21.75M-18.12M-1.92M67.57M54.64M86.68M90.35M78.36M90.70M76.10M36.33M84.23M59.76M-5.47M4.16M27.55M19.70M6.33M53.60M38.24M-60.35M43.49M-125.67M-109.73M-97.42M-1.44M49.89M3.95M71.48M-17.84M

Cash Flow

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow6.16M3.42M9.85M11.37M5.00M11.39M8.45M12.22M9.50M15.60M15.01M16.81M14.66M10.31M15.24M18.36M8.68M17.82M9.17M24.56M22.97M18.44M14.12M22.14M23.64M27.77M26.41M28.66M35.46M35.05M30.88M29.82M45.50M
Investing Cash Flow21.67M-85.06M-355.93K-38.30M-12.55M-80.22M-38.58M-25.07M-46.55M-30.44M4.81M25.80M-29.67M-25.00M-46.41M-9.04M-11.30M-8.96M-5.06M-56.86M-46.49M-71.14M-114.65M-729.00K-106.64M43.92M-32.71M-495.85M-242.48M-252.62M-82.38M-57.72M68.32M
Financing Cash Flow5.75M48.96M-4.49M21.30M10.22M63.23M33.38M8.94M38.28M14.51M-10.81M-27.89M-12.24M15.72M33.96M-15.05M58.71M-27.98M-11.82M19.63M34.88M30.25M97.55M26.57M39.56M27.55M-1.76M453.82M125.47M246.46M32.48M38.10M-110.76M
Capital Expenditure533.82K2.00M3.01M862.68K1.99M1.33M3.51M2.98M2.73M4.63M2.16M2.01M3.91M5.62M4.12M4.18M1.82M2.08M2.55M3.67M3.71M2.59M1.15M1.70M1.48M1.77M883.00K867.00K367.00K426.00K462.00K3.63M1.69M
Free Cash Flow5.63M1.42M6.84M10.51M3.01M10.06M4.94M9.24M6.78M10.97M12.85M14.81M10.76M4.69M11.12M14.18M6.86M15.77M6.59M20.89M19.26M15.86M12.97M20.45M22.16M26.00M25.52M27.79M35.09M34.62M30.42M26.19M43.81M
Dividends Paid1.62M1.75M1.98M2.14M2.45M2.68M2.94M3.44M3.56M3.59M3.46M3.41M3.48M3.44M3.38M3.52M3.52M3.52M4.06M5.71M3.58M4.80M4.83M4.88M4.92M4.97M5.03M5.01M5.32M5.80M5.84M7.37M6.33M
FCF to OCF91.33%41.47%69.42%92.41%60.17%88.36%58.49%75.58%71.30%70.32%85.60%88.06%73.35%45.48%72.98%77.22%79.04%88.45%71.89%85.07%83.85%85.98%91.83%92.34%93.73%93.63%96.66%96.97%98.97%98.78%98.50%87.84%96.29%
Dividend Paid to FCF28.86%123.61%28.96%20.40%81.34%26.68%59.62%37.19%52.51%32.74%26.93%23.06%32.40%73.31%30.41%24.82%51.27%22.32%61.56%27.35%18.61%30.25%37.27%23.86%22.19%19.11%19.70%18.01%15.15%16.74%19.20%28.12%14.44%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Jun 1, 2011Aug 31, 2011Nov 30, 2011Mar 28, 2012May 14, 2012Aug 14, 2012Oct 31, 2012Jan 30, 2013Apr 25, 2013Jul 26, 2013Oct 28, 2013Jan 30, 2014Apr 24, 2014Jul 24, 2014Oct 23, 2014Jan 29, 2015Apr 23, 2015Jul 23, 2015Oct 29, 2015Jan 28, 2016Apr 21, 2016Jul 21, 2016Oct 20, 2016Jan 26, 2017Apr 20, 2017Jul 20, 2017Oct 19, 2017Feb 15, 2018Apr 18, 2018Jul 18, 2018Oct 18, 2018Jan 23, 2019Apr 17, 2019Jul 22, 2019Oct 18, 2019Jan 22, 2020May 4, 2020Jul 20, 2020Oct 19, 2020Jan 22, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 26, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 26, 2023Apr 20, 2023Jul 20, 2023Oct 24, 2023Jan 25, 2024Apr 18, 2024Jul 18, 2024Oct 22, 2024Jan 28, 2025Apr 18, 2025Jul 17, 2025Oct 21, 2025Jan 26, 2026Apr 17, 2026Jul 22, 2026Oct 20, 2026
EPS Estimate--------------------------------------------------0.640.630.530.510.580.540.530.590.530.400.460.470.530.490.490.520.520.500.500.560.530.550.590.710.770.830.860.931.030.960.970.530.990.750.420.671.001.261.171.201.251.231.191.351.471.371.211.131.121.041.121.131.211.201.331.611.621.631.701.94
EPS Actual0.420.400.470.450.500.520.480.520.540.470.580.640.460.560.220.530.370.260.670.570.530.540.680.420.470.530.360.440.490.510.380.470.510.600.440.600.630.670.430.480.190.420.360.550.690.710.600.460.570.710.640.630.520.610.460.520.570.500.370.450.350.480.210.480.510.520.440.450.500.570.620.620.760.760.690.920.681.111.090.921.020.400.870.511.201.191.111.391.451.421.381.461.721.371.581.541.331.610.811.481.051.191.241.261.311.621.611.911.82-
Surprise--------------------------------------------------0.00%0.00%-1.89%19.61%-20.69%-3.70%7.55%-15.25%-30.19%12.50%-23.91%2.13%-60.38%-2.04%4.08%0.00%-15.38%-10.00%0.00%1.79%16.98%12.73%28.81%7.04%-10.39%10.84%-20.93%19.35%5.83%-4.17%5.15%-24.53%-12.12%-32.00%185.71%77.61%11.00%10.32%23.93%18.33%10.40%18.70%44.54%1.48%7.48%12.41%9.92%42.48%-27.68%42.31%-6.25%5.31%2.48%5.00%-1.50%0.62%-0.62%17.18%7.06%-
Timing-------------------------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-

Key Statistics & Ratios

Market Cap395.36M
Enterprise Value464.69M
Trailing P/E11.78
Forward P/E9.29
PEG Ratio0.00
Price / Sales3.38
Price / Book1.45
EPS6.96
Book Value56.09
Revenue (TTM)117.01M
Gross Profit (TTM)117.01M
Profit Margin28.67%
Operating Margin37.93%
Return on Equity13.27%
Return on Assets1.18%
Shares Outstanding4.82M
Shares Float3.21M
Beta0.59
Dividend Yield1.75%
Dividend Rate1.44
Payout Ratio19.83%

Analyst Ratings

Buy
Based on 3 analystsTarget 84.67
  • Strong Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
51.08%
Insiders
18.07%
Retail / Other
30.85%

Top Institutional Holders

  • BlackRock Inc
    361.83K7.50%
  • Chemung Canal Trust Co
    284.78K5.91%
  • Dimensional Fund Advisors, Inc.
    186.55K3.87%
  • Vanguard Capital Management, LLC
    173.24K3.59%
  • Manufacturers Life Insurance Co
    157.63K3.27%
  • PL Capital Advisors, LLC
    109.34K2.27%
  • Geode Capital Management, LLC
    90.46K1.88%
  • Acadian Asset Management LLC
    78.42K1.63%
  • State Street Corp
    58.13K1.21%
  • Bridgeway Capital Management, LLC
    52.21K1.08%
  • Renaissance Technologies Corp
    41.22K0.85%
  • The Goldman Sachs Group Inc
    40.92K0.85%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    121.12K2.51%
  • iShares Russell 2000 ETF
    102.96K2.14%
  • JH Financial Opportunities
    75.45K1.56%
  • JHancock Regional Bank A
    75.41K1.56%
  • BlackRock Advantage Small Cap Core Instl
    61.93K1.28%
  • BSF Systematic US Eq Abs Ret A2 USD
    51.18K1.06%
  • Fidelity Small Cap Index
    43.65K0.91%
  • iShares Russell 2000 Value ETF
    37.80K0.78%

Dividends

20263×
0.36Sep 17, 20260.34Jun 17, 20260.34Mar 18, 2026
20254×
0.34Dec 19, 20250.34Sep 17, 20250.32Jun 17, 20250.32Mar 18, 2025
20244×
0.31Dec 19, 20240.31Sep 19, 20240.31Jun 17, 20240.31Mar 15, 2024
20234×
0.31Dec 18, 20230.31Sep 15, 20230.31Jun 16, 20230.31Mar 17, 2023
20224×
0.31Dec 19, 20220.31Sep 16, 20220.31Jun 16, 20220.31Mar 17, 2022
20214×
0.31Dec 17, 20210.31Sep 16, 20210.31Jun 16, 20210.26Mar 17, 2021
20201×
0.26Dec 18, 2020

Stock Splits

  • Jun 3, 19982:1